XYNN银行贷后管理策略研究

发布时间：2018-03-21 02:03

本文选题：贷后管理　切入点：信贷风险　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：从2008年国际金融危机开始,国际经济便开始进入到一个复杂多变的环境当中。随着我国经济开放程度的加大,国内经济的走势也开始随着世界经济的变动而发生波动。银行业作为市场经济当中的命脉行业,越来越明显地受到来自外部环境的影响。面对复杂多变的经济走势以及市场风险,风险管理能力作为银行核心竞争力的重要性日益突出,而银行的贷后管理又常常是风险管理的弱项,因此有必要对银行的贷后管理进行深入的分析,并找出提升贷后管理能力的合理建议。本文笔者总结自身从事银行贷后管理的经验,以XYNN银行的信贷业务贷后风险管理为案例,分析XYNN银行在贷后风险管理上存在的问题。笔者认为XYNN银行在贷后管理上存在着部分问题,如：贷后管理理念薄弱,影响了贷后管理的成效；贷后管理的执行力不强；风险预警能力较差；贷后管理的激励和问责制度不够健全等等。本文为了找出提升XYNN银行贷后管理水平的对策和建议,首先对国内外先进银行的贷后管理的经验进行了归纳与总结。然后针对XYNN银行贷后管理存在的问题,并结合国内外先进银行的贷后管理经验,得出相关的对策和建议。认为应当从五个方面加以完善与解决：(1)培育先进的贷后管理理念；(2)加强落实贷后管理各项制度的实施；(3)加强员工的交流与培训,提升员工素质；(4)构建完善的风险预警能力；(5)完善贷后管理的激励和问责制度。
[Abstract]:Since the beginning of the international financial crisis in 2008, the international economy has begun to enter into a complex and changeable environment. The trend of the domestic economy has also begun to fluctuate with the changes in the world economy. The banking industry is the lifeblood of the market economy. In the face of complex and changeable economic trends and market risks, the importance of risk management as the core competitiveness of banks is becoming increasingly prominent. The bank's post-loan management is often the weakness of risk management, so it is necessary to analyze the bank's post-loan management, and find out the reasonable suggestions to improve the ability of post-loan management. In this paper, the author summarizes his own experience in post-loan management of banks, taking XYNN Bank's post-loan risk management as a case study. The author thinks that there are some problems in the post-loan management of XYNN bank, such as the weak idea of post-loan management, which has affected the effectiveness of post-loan management, the weak executive power of post-loan management, and the weakness of post-loan management. Risk warning ability is poor; after loan management incentive and accountability system is not perfect and so on. In order to find out the countermeasures and suggestions to improve the XYNN bank's post-loan management level, this paper sums up and summarizes the experience of the domestic and foreign advanced banks' post-loan management, and then aims at the problems existing in the post-loan management of the XYNN bank. Combined with the post-loan management experience of advanced banks at home and abroad, The author thinks that we should improve and solve the problem from five aspects (1) cultivate the advanced post-loan management concept and (2) strengthen the implementation of the various systems of post-loan management and strengthen the exchange and training of employees. To improve the quality of employees and build a sound risk early warning ability. 5) improve the incentive and accountability system of post-loan management.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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